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Journal Article
Statement to Congress, September 24, 1997, (debit cards and unsolicited \\"loan checks\\")
Meyer, Laurence H. (1997-11)
Federal Reserve Bulletin , Issue Nov , Pages 884-887

Discussion Paper
Maintaining a safe environment for payment cards: Examining evolving threats posed by fraud
Herbst-Murphy, Susan (2009)
On April 23 and 24, 2008, the Payment Cards Center of the Federal Reserve Bank of Philadelphia and the Electronic Funds Transfer Association jointly hosted "Maintaining a Safe Environment for Payment Cards: Examining Evolving Threats Posed by Fraud." The conference included panels representing four key constituencies: issuers, consumers, merchants/acquirers, and networks. The panelists addressed the nature of payment card fraud in the 21st century. This paper summarizes the highlights from the presentations and the discussions that ensued.
Consumer Finance Institute discussion papers , Paper 09-01

Working Paper
The choice at the checkout: quantifying demand across payment instruments
Kiser, Elizabeth K.; Borzekowski, Ron (2006)
Dramatic changes have occurred in the U.S. payment system over the past two decades, most notably an explosion in electronic card-based payments. Not surprisingly, this shift has been accompanied by a series of policy debates, all of which hinge critically on understanding consumer behavior at the point of sale. Using a new nationally representative survey, we transform consumers' responses to open-ended questions on reasons for using debit cards to estimate a characteristics-based discrete-choice demand model that includes debit cards, cash, checks, and credit cards. Market shares computed ...
Finance and Economics Discussion Series , Paper 2006-17

Journal Article
Interchange fees in Australia, the UK, and the United States : matching theory and practice
Weiner, Stuart E.; Hayashi, Fumiko (2006-07)
Interchange fees are an integral part of the pricing structure of credit and debit card industries. While in recent years the theoretical literature on interchange fees, and payment cards in general, has grown rapidly, the empirical literature has not. There are several reasons for this. First, comprehensive data are hard to obtain. Second, the industries are very complicated, and empirical models need to incorporate many industry-specific features, such as payment-card network rules and government regulations. And third, empirical studies may require a generalized empirical model since, ...
Economic Review , Volume 91 , Issue Q III , Pages 75-112

Journal Article
Banking industry evolution along the Texas-Mexico border
Phillips, Keith R.; Lopez, Jose Joaquin (2007-07)
Southwest Economy , Issue Jul , Pages 11-13

Conference Paper
Where to go from here?
Oliver, Richard R.; Perrit, Henry H.; Smith, Janet (1999)
Proceedings , Paper 659

Conference Paper
Legal policy
Warner, Richard; Jane, Sarah; Teitelbaum, David (2000)
Proceedings , Paper 749

Discussion Paper
Why don’t most merchants use price discounts to steer consumer payment choice?
Shy, Oz; Briglevics, Tamas (2012)
Recent legislation and court settlements in the United States allow merchants to use price discounts to steer customers to pay with means of payment that are less costly to merchants. This paper suggests one method of calculating merchants? change in profit associated with giving price discounts to buyers who pay with debit cards and cash. We use data from the pilot of the Boston Fed?s Diary of Consumer Payment Choice to compute rough estimates of the expected net cost reduction by merchant type that may result from debit card and cash price discounts. We find that steering consumers to debit ...
Public Policy Discussion Paper , Paper 12-9

Journal Article
How we arrived at the debit card interchange fees and routing proposals
Batjer, Jane A. (2011-04)
Central Banker , Issue Spring

Working Paper
Interchange fees in various countries: developments and determinants
Weiner, Stuart E.; Wright, Julian (2005)
Interchange fees and related issues in credit and debit card markets have been the focus of considerable attention in recent years. The academic community has begun to address the economics of these markets. Public officials have begun to address the policy implications of developments in these markets. Meanwhile, these markets continue to experience dynamic change as credit, and especially debit, transactions account for an ever-growing share of overall payments. This paper provides an overview of interchange fee developments and issues in a number of countries. It also presents a ...
Payments System Research Working Paper , Paper PSR WP 05-01

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